Bankruptcy

Knowledgeable Bankruptcy Attorneys

If you’re considering bankruptcy, you’re probablly feeling a great deal of stress and uncertainty.

The bills have piled up, payments are past due, and the daily phone calls from creditors have become overwhelming. For many, the experience of facing bankruptcy is unlike anything they have encountered before.

Many consumers spend countless hours researching bankruptcy online. However, nothing can replace the sound legal advice given by a qualified attorney. Here at Howes & Howes we want you to know that as a consumer, you do have rights. Bankruptcy laws were established to give you options. Our attorneys understand bankruptcy law and will guide you through the process.

Protect Yourself Now

If you are considering bankruptcy, it is important to seek legal advice sooner rather than later. When you contact an attorney at Howes & Howes, we will invite you to our office for a free consultation. We will ask you questions about your specific situation and explain the options that are available to you. We will answer any questions that you might have, and work with you to develop a strategy.

Filing for bankruptcy is a process. It takes time and requires you to gather documents and information. We are here to help you advance through this process quickly. Because we have helped so many people find freedom from their mounting debt, we know how to smoothly navigate the bankruptcy process.

You can trust our attorneys and their years of experience to see you through this difficult time. Our goal is to help you realize a better financial future – one where the bills get paid, the phone stops ringing, and you feel in control of your finances.

Call 219-326-7070 or Complete the Form on This Page to Request Your Free Consultation Today

Important Details to Note:

Federal statutes, such as the Fair Credit Protections Act, establish the legal field of play in which creditors can attempt to collect consumer debt. Where they may contact a debtor, how they may contact a debtor and when they may contact a debtor are provided for in this federal statute. If you are represented by an attorney, creditors are not allowed to contact you personally under the Fair Debt Collections Act.

A creditor is entitled to certain remedies in an effort to obtain a debt in which they are entitled. However, if you are a creditor, you must follow certain legal procedures to recover any funds owed at the lowest cost to you. If not done precisely, you may find that you are unable to recover the money you are rightly due. Further, specific acts could lead to an award of punitive damages against you should you fail to comply with state and federal requirements prescribed by law as a means of collecting a debt.

A debtor must be notified that they are being sued in court and they have 20 days (23 days by mail) to respond or contest in writing.

Failure to respond to the debt quite often results in a money judgement awarded default to the creditor.

A bank account cannot be frozen or a garnishment cannot be obtained until a money judgment has been awarded by the court.

If your account contains funds such as Social Security Benefits, these funds are exempt and cannot be frozen, garnished or otherwise reached by the creditor unless that creditor is the government or you happen to owe back child support.

A Creditor must file a summons to a proceeding referred to as Proceedings Supplemental.

The creditor will often attempt to determine whether or not the debtor possesses any assets that can be garnished, frozen or any property worth placing a lien upon.

The creditor may send a list of questions called “interrogatories” to your employer, which will make certain inquiries regarding your earned wage as well as other aspects of your employment.

The content of this website is for general information purposes only. It does not constitute legal advice nor does it create an attorney-client relationship. Contacting Howes & Howes LLP or any of its attorneys via e-mail or through his website does not establish an attorney-client relationship. Only by retaining the services of an attorney of Howes & Howes, LLP - is an attorney-client relationship formed.